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Paul Anderson Riley

Paul has a degree in Human Geography from Plymouth University and has a keen interest in both listening to and playing music, football and surfing.

Value for money: High street shop or online stores

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Is the high street being out muscled by the flexibility of online shopping or is there still merit in visiting your local shopping centres?

As a nation that now invests our time heavily on tablets, smart phones and computers many of us make a large amount of purchases online rather than visiting the local high street.

Sometimes shopping online can mean we miss out on instore deals but have the convenience of having items delivered to our door steps. To ensure you are getting the best for your money you can use online comparison websites to see where the best deals are. Online forums also produce information about what instore deals are currently ongoing. By combining purchases online with purchases instore by shopping around, .....

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BT set to extend superfast broadband and 4G coverage to over 95% of the UK

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BT will extend superfast broadband and 4G coverage to over 95% of the UK by 2020 as part of a £6 billion investment which aims to help improve their services following pressure from Ofcom and communication supplier rivals.

BT is the largest telecom firm in the UK and has seen an increase in pre-tax profits of 15% for the year to 31st March, which has been backed by stronger demand for its products.

The ambition of their recent plans is to give access to ultrafast broadband to 12 million homes and businesses using G.fast technology which is a combination of copper and fibre technologies. New housing developments, business parks and high streets will form the main part of the 2 million customers who will access speeds of up to .....

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IMF says Brexit could result in severe regional and global damage

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The International Monetary Fund has provided a new outlook to the possibility of the UK leaving the European Union saying this could result in "severe regional and global damage”. They have also commented that ‘Brexit’ may unsettle trading relationships and increase economic challenges for the UK and the rest of Europe.

The main concern the IMF have voiced is the possible decrease in confidence and investment if the referendum resulted in the UK leaving the EU. The belief is that an exit could negatively impact mutual trade, financial benefits of economic co-operation and existing EU economies of scale.

Volatility in markets may also occur due the uncertainty investor’s face, the IMF comments a leave will only increase this unce .....

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18 Apr 2016 by Paul Anderson Riley Banking
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1.7 Million Self-employed workers will miss out on the National living wage

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Research undertaken by the Social Market Foundation has revealed that more than 1.7 million self-employed workers will miss out on the National Living wage and they expect this to increase to around 1.9 million in 2020.

This warning comes as the National Living wage will be implemented in April with employees over the age of 25 expecting to earn £7.20 an hour. Over one million low paid workers are expected to be helped by this new government policy.

A spokesman from the Department for Business, Innovation and Skills says "This government is committed to backing enterprising self-employed people through initiatives like start up loans, tax allowances and by cutting red tape by a further £10 billion…our new National Living Wage .....

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Common queries about credit scoring

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When checking a credit report or evaluating financial situations there are many common queries regarding credit scores, the information reported and the impact of different markers. This article aims to address some of the common queries that arise in these situations.

Having an excellent or high credit score will not automatically mean you will be accepted for every form of credit. Most lenders will use their own scorecard and criteria when evaluating an application. An application form may request information that is not held on a credit report for example income, length of time at an address and type of employment, all these factors will impact the decision of a lender.

Although your score may be high, a lender may have ce .....

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